TOPEKA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Topeka averaged
6.81%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7.06% and
one month ago for the week of 2025-04-17, the
average rate was 7.08%.
Topeka's average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.37%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Topeka 30 Year Fixed Rate | 2025-05-22 | 6.81% |
| Topeka 30 Year Fixed Rate Refi | 2025-05-22 | 7.37% |
| Topeka 15 Year Fixed Rate | 2025-05-22 | 6.29% |
| Topeka 15 Year Fixed Rate Refi | 2025-05-22 | 6.31% |
| Topeka 30 Year FHA | 2025-05-22 | 6.59% |
| Topeka 30 Year FHA Refi | 2025-05-22 | 6.41% |
| Topeka 30 Year USDA | 2025-05-22 | 6.33% |
| Topeka 30 Year USDA Refi | 2025-05-22 | 6.33% |
| Topeka 30 Year VA | 2025-05-22 | 7.03% |
| Topeka 30 Year VA Refi | 2025-05-22 | 6.03% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within TOPEKA, KS.
TOPEKA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the TOPEKA, KS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
TOPEKA Average Closing Costs & Other Stats
TOPEKA, KS's 123 lenders originated 5,023
loans during 2024. The total origination value was $856,315,000, with an average loan value of
$170,479.
TOPEKA's average closing costs are $3,727.
The top TOPEKA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
201 loans originated. Their average total fees are
$2,980, which is $153
lower than the next largest lender,
Envista Credit Union.
The lowest fee TOPEKA lenders (with over 10 loans originated) are
Central National Bank ($1,753), Azura Credit Union ($2,031), CoreFirst Bank & Trust ($2,058), Mid-America Bank ($2,314) and Landmark National Bank ($2,392).
The lowest rate TOPEKA lenders (with over 10 loans originated) are
NAVY FEDERAL CREDIT UNION (6.28%), Capitol Federal Savings Bank (6.34%), Landmark National Bank (6.41%), Central National Bank (6.59%) and NBH Bank (6.63%).
TOPEKA, KS Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $46,635,000 | $62,130,000 | 33.2% | 7.3% |
| Envista Credit Union | $46,575,000 | $57,035,000 | 22.5% | 6.7% |
| FLAT BRANCH MORTGAGE, INC. | $15,905,000 | $55,615,000 | 249.7% | 6.5% |
| QUICKEN LOANS, LLC | $38,830,000 | $55,060,000 | 41.8% | 6.4% |
| Capitol Federal Savings Bank | $68,500,000 | $34,355,000 | -49.8% | 4.0% |
| Mortgage Research Center, LLC | $21,775,000 | $31,135,000 | 43.0% | 3.6% |
| COMMUNITYAMERICA | $5,700,000 | $29,410,000 | 416.0% | 3.4% |
| CoreFirst Bank & Trust | $34,890,000 | $26,435,000 | -24.2% | 3.1% |
| Azura Credit Union | $8,215,000 | $24,415,000 | 197.2% | 2.9% |
| Community National Bank | $26,630,000 | $24,240,000 | -9.0% | 2.8% |
| Community Bank | $19,110,000 | $19,500,000 | 2.0% | 2.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $11,385,000 | $19,305,000 | 69.6% | 2.3% |
| NBH Bank | $12,540,000 | $18,255,000 | 45.6% | 2.1% |
| U.S. Bank | $17,355,000 | $16,335,000 | -5.9% | 1.9% |
| The Denison State Bank | $19,280,000 | $15,605,000 | -19.1% | 1.8% |
| Landmark National Bank | $49,585,000 | $15,595,000 | -68.5% | 1.8% |
| Mid-America Bank | $5,305,000 | $12,900,000 | 143.2% | 1.5% |
| ORIX REAL ESTATE CAPITAL, LLC | $21,715,000 | $11,600,000 | -46.6% | 1.4% |
| LEADERONE FINANCIAL CORPORATION | $6,595,000 | $11,285,000 | 71.1% | 1.3% |
| The Bennington State Bank | $400,000 | $11,075,000 | 2,668.8% | 1.3% |
| Kaw Valley Bank | $10,930,000 | $10,650,000 | -2.6% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $4,095,000 | $8,915,000 | 117.7% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $4,525,000 | $8,640,000 | 90.9% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $2,010,000 | $7,855,000 | 290.8% | 0.9% |
| The Farmers State Bank | $4,840,000 | $7,810,000 | 61.4% | 0.9% |
| Silver Lake Bank | $9,260,000 | $7,290,000 | -21.3% | 0.9% |
| Farm Credit Mid-America, ACA | $4,110,000 | $7,195,000 | 75.1% | 0.8% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $6,745,000 | n/a | 0.8% | |
| WALKER & DUNLOP, LLC | $6,405,000 | n/a | 0.7% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,630,000 | $6,375,000 | 142.4% | 0.7% |
| Stockgrowers State Bank | $6,630,000 | $6,325,000 | -4.6% | 0.7% |
| Flagstar Bank, FSB | $6,250,000 | $6,070,000 | -2.9% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,450,000 | $5,615,000 | 129.2% | 0.7% |
| Bell Bank | $3,140,000 | $5,510,000 | 75.5% | 0.6% |
| Bank of the Flint Hills | $3,810,000 | $5,315,000 | 39.5% | 0.6% |
| THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS | $5,410,000 | $5,285,000 | -2.3% | 0.6% |
| LYNDON STATE BANK | $3,185,000 | $5,000,000 | 57.0% | 0.6% |
| UNION HOME MORTGAGE CORP. | $2,350,000 | $4,995,000 | 112.6% | 0.6% |
| NEWREZ LLC | $2,185,000 | $4,940,000 | 126.1% | 0.6% |
| USAA Federal Savings Bank | $3,350,000 | $4,900,000 | 46.3% | 0.6% |
| Mortgage Investment Services Corporation | $1,990,000 | $4,760,000 | 139.2% | 0.6% |
| Central National Bank | $5,825,000 | $4,145,000 | -28.8% | 0.5% |
| The Union State Bank of Everest | $3,500,000 | $4,055,000 | 15.9% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,085,000 | $4,040,000 | 93.8% | 0.5% |
| NBKC BANK | $2,455,000 | $3,985,000 | 62.3% | 0.5% |
| KS StateBank | $1,130,000 | $3,875,000 | 242.9% | 0.5% |
| LOANDEPOT.COM, LLC | $4,650,000 | $3,535,000 | -24.0% | 0.4% |
| Equity Bank | $4,535,000 | $3,355,000 | -26.0% | 0.4% |
| First State Bank of St. Charles, Missouri | $500,000 | $3,280,000 | 556.0% | 0.4% |
| FLINT HILLS BANK | $3,435,000 | $3,010,000 | -12.4% | 0.4% |
| GUILD MORTGAGE COMPANY | $2,505,000 | $2,740,000 | 9.4% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,430,000 | $2,695,000 | 88.5% | 0.3% |
| PLANET HOME LENDING, LLC | $480,000 | $2,565,000 | 434.4% | 0.3% |
| Intrust Bank | $95,000 | $2,435,000 | 2,463.2% | 0.3% |
| Arvest Bank | $2,830,000 | $2,365,000 | -16.4% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,110,000 | $2,360,000 | 112.6% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $2,035,000 | $2,340,000 | 15.0% | 0.3% |
| First State Bank and Trust | $2,020,000 | $2,335,000 | 15.6% | 0.3% |
| BOKF | $4,350,000 | $2,225,000 | -48.9% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,800,000 | $2,200,000 | 22.2% | 0.3% |
| Members Mortgage Services, L.L.C. | $175,000 | $2,160,000 | 1,134.3% | 0.3% |
| Bank of America | $1,385,000 | $1,980,000 | 43.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,085,000 | $1,920,000 | -7.9% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $710,000 | $1,840,000 | 159.2% | 0.2% |
| Sunflower Bank | $2,565,000 | $1,830,000 | -28.7% | 0.2% |
| Wells Fargo Bank | $2,400,000 | $1,810,000 | -24.6% | 0.2% |
| Discover Bank | $1,190,000 | $1,805,000 | 51.7% | 0.2% |
| Mutual Savings Association | $1,300,000 | $1,805,000 | 38.8% | 0.2% |
| GNBank | $2,435,000 | $1,725,000 | -29.2% | 0.2% |
| Prosperity Home Mortgage, LLC | $750,000 | $1,700,000 | 126.7% | 0.2% |
| BROKER SOLUTIONS, INC. | $2,245,000 | $1,575,000 | -29.8% | 0.2% |
| Armed Forces Bank | $725,000 | $1,565,000 | 115.9% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $2,450,000 | $1,555,000 | -36.5% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $710,000 | $1,510,000 | 112.7% | 0.2% |
| Farmers Bank & Trust | $1,505,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $1,705,000 | $1,495,000 | -12.3% | 0.2% |
| Community First National Bank | $1,260,000 | $1,480,000 | 17.5% | 0.2% |
| JPMorgan Chase Bank | $1,395,000 | $1,470,000 | 5.4% | 0.2% |
| Equity Prime Mortgage LLC | $1,025,000 | $1,435,000 | 40.0% | 0.2% |
| Truity Federal Credit Union | $3,050,000 | $1,435,000 | -53.0% | 0.2% |
| UMB Bank | $2,605,000 | $1,395,000 | -46.4% | 0.2% |
| ESB Financial | $540,000 | $1,345,000 | 149.1% | 0.2% |
| ENDEAVOR CAPITAL, LLC. | $4,375,000 | $1,325,000 | -69.7% | 0.2% |
| COMMUNICATION | $1,990,000 | $1,300,000 | -34.7% | 0.2% |
| The First Security Bank | $1,500,000 | $1,275,000 | -15.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,495,000 | $1,270,000 | -15.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $510,000 | $1,260,000 | 147.1% | 0.1% |
| Figure Lending LLC | $205,000 | $1,235,000 | 502.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $500,000 | $1,225,000 | 145.0% | 0.1% |
| PEOPLES STATE BANK | $530,000 | $1,225,000 | 131.1% | 0.1% |
| Carrington Mortgage Services, LLC | $1,675,000 | $1,210,000 | -27.8% | 0.1% |
| Exchange Bank & Trust | $830,000 | $1,200,000 | 44.6% | 0.1% |
| SIRVA MORTGAGE, INC. | $285,000 | $1,170,000 | 310.5% | 0.1% |
| COMMUNITY MORTGAGE, LLC | $145,000 | $1,160,000 | 700.0% | 0.1% |
| The Central Trust Bank | $835,000 | $1,145,000 | 37.1% | 0.1% |
| The Farmers State Bank of Westmoreland | $195,000 | $1,060,000 | 443.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $635,000 | $990,000 | 55.9% | 0.1% |
| Morgan Stanley Private Bank | $225,000 | $985,000 | 337.8% | 0.1% |
| PREMIA MORTGAGE, LLC | $950,000 | n/a | 0.1% | |
| Pinnacle Bank | $945,000 | n/a | 0.1% | |
| Citizens State Bank | $1,390,000 | $940,000 | -32.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $340,000 | $935,000 | 175.0% | 0.1% |
| MEGASTAR FINANCIAL CORP. | $460,000 | $915,000 | 98.9% | 0.1% |
| American Mortgage Bank, LLC | $910,000 | n/a | 0.1% | |
| RCB Bank | $340,000 | $900,000 | 164.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $880,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $500,000 | $800,000 | 60.0% | 0.1% |
| MERITRUST Federal Credit Union | $1,090,000 | $780,000 | -28.4% | 0.1% |
| QUANTUM CREDIT UNION | $745,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $390,000 | $735,000 | 88.5% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $725,000 | n/a | 0.1% | |
| Plains Commerce Bank | $1,125,000 | $720,000 | -36.0% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $25,000 | $635,000 | 2,440.0% | 0.1% |
| Academy Bank | $105,000 | $620,000 | 490.5% | 0.1% |
| FRONTIER COMMUNITY CREDIT UNION | $395,000 | $605,000 | 53.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $605,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $595,000 | n/a | 0.1% | |
| Cornerstone Bank | $585,000 | n/a | 0.1% | |
| Fifth Third Bank | $570,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $570,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $355,000 | $565,000 | 59.2% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,485,000 | $565,000 | -62.0% | 0.1% |
| SUMMIT FUNDING, INC. | $195,000 | $555,000 | 184.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $665,000 | $545,000 | -18.0% | 0.1% |
| Lakeview Community Capital, LLC | $540,000 | n/a | 0.1% | |
| Fidelity Bank | $340,000 | $520,000 | 52.9% | 0.1% |
| First Federal Bank | $510,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $1,040,000 | $485,000 | -53.4% | 0.1% |
| AXIA FINANCIAL, LLC | $475,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $760,000 | $470,000 | -38.2% | 0.1% |
| West Gate Bank | $465,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $245,000 | $455,000 | 85.7% | 0.1% |
| Coastal Community Bank | $355,000 | $455,000 | 28.2% | 0.1% |
| Oakstar Bank | $85,000 | $455,000 | 435.3% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $445,000 | n/a | 0.1% | |
| Bankers' Bank | $430,000 | n/a | 0.1% | |
| First National Bank of Omaha | $880,000 | $425,000 | -51.7% | 0.0% |
| Old National Bank | $225,000 | $425,000 | 88.9% | 0.0% |
| Flanagan State Bank | $415,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $1,045,000 | $385,000 | -63.2% | 0.0% |
| Farmers and Merchants Bank | $375,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $65,000 | $375,000 | 476.9% | 0.0% |
| Stride Bank | $365,000 | n/a | 0.0% | |
| Gateway First Bank | $360,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $355,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $155,000 | $350,000 | 125.8% | 0.0% |
| EVERETT FINANCIAL, INC. | $340,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $340,000 | n/a | 0.0% | |
| First Bank | $1,300,000 | $335,000 | -74.2% | 0.0% |
| M&T Bank | $335,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $325,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $325,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $315,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $510,000 | $315,000 | -38.2% | 0.0% |
| Midwest Heritage Bank FSB | $315,000 | n/a | 0.0% | |
| FIRST HERITAGE BANK | $530,000 | $310,000 | -41.5% | 0.0% |
| Nations Lending Corporation | $310,000 | n/a | 0.0% | |
| BMO Harris Bank | $1,125,000 | $305,000 | -72.9% | 0.0% |
| S1L, Inc. | $285,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $285,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $325,000 | $280,000 | -13.8% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $280,000 | n/a | 0.0% | |
| PNC Bank | $205,000 | $280,000 | 36.6% | 0.0% |
| TOWER | $255,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $715,000 | $245,000 | -65.7% | 0.0% |
| MID AMERICAN | $205,000 | $240,000 | 17.1% | 0.0% |
| DELMAR FINANCIAL COMPANY | $275,000 | $235,000 | -14.5% | 0.0% |
| GSF Mortgage Corporation | $575,000 | $235,000 | -59.1% | 0.0% |
| JLB CORPORATION | $620,000 | $225,000 | -63.7% | 0.0% |
| MORTGAGEONE, INC. | $225,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $225,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $220,000 | n/a | 0.0% | |
| Logan Finance Corporation | $215,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $215,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $435,000 | $205,000 | -52.9% | 0.0% |
| Commerce Bank | $1,405,000 | $200,000 | -85.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $195,000 | n/a | 0.0% | |
| Labette Bank | $195,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $185,000 | $190,000 | 2.7% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $480,000 | $185,000 | -61.5% | 0.0% |
| Community National Bank & Trust | $370,000 | $185,000 | -50.0% | 0.0% |
| Hawthorn Bank | $470,000 | $185,000 | -60.6% | 0.0% |
| The Union State Bank | $185,000 | n/a | 0.0% | |
| Truist | $185,000 | n/a | 0.0% | |
| BLACK HILLS FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $265,000 | $175,000 | -34.0% | 0.0% |
| HEARTLAND CREDIT UNION | $175,000 | $175,000 | 0.0% | 0.0% |
| GERSHMAN INVESTMENT CORP. | $165,000 | n/a | 0.0% | |
| STAUNTON FINANCIAL, INC. | $165,000 | n/a | 0.0% | |
| Emprise Bank | $910,000 | $155,000 | -83.0% | 0.0% |
| Think Mutual Bank | $280,000 | $155,000 | -44.6% | 0.0% |
| Citibank | $150,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $225,000 | $145,000 | -35.6% | 0.0% |
| GOLDEN PLAINS | $145,000 | n/a | 0.0% | |
| Midwest Mortgage Associates Corporation | $265,000 | $145,000 | -45.3% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $260,000 | $145,000 | -44.2% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $145,000 | $145,000 | 0.0% | 0.0% |
| Service Federal Credit Union | $145,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $65,000 | $135,000 | 107.7% | 0.0% |
| First United Bank and Trust Company | $125,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $125,000 | n/a | 0.0% | |
| Renasant Bank | $125,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $265,000 | $125,000 | -52.8% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $135,000 | $125,000 | -7.4% | 0.0% |
| LOANPAL, LLC | $230,000 | $105,000 | -54.3% | 0.0% |
| The Citizens National Bank | $160,000 | $105,000 | -34.4% | 0.0% |
| V.I.P. MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $155,000 | $95,000 | -38.7% | 0.0% |
| The Stock Exchange Bank | $95,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $480,000 | $85,000 | -82.3% | 0.0% |
| Financial Funding Solutions, Inc. | $115,000 | $85,000 | -26.1% | 0.0% |
| TOWNE MORTGAGE COMPANY | $85,000 | n/a | 0.0% | |
| Transportation Federal Credit Union | $85,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $75,000 | n/a | 0.0% | |
| United Bank & Trust | $410,000 | $65,000 | -84.1% | 0.0% |
| KANSAS STATE UNIVERSITY Federal Credit Union | $260,000 | $45,000 | -82.7% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $45,000 | n/a | 0.0% | |
| MAINSTREET FEDERAL CREDIT UNION | $385,000 | $35,000 | -90.9% | 0.0% |
| Baxter Credit Union | $45,000 | $25,000 | -44.4% | 0.0% |
| Citizens Savings and Loan Association, FSB | $25,000 | $25,000 | 0.0% | 0.0% |
TOPEKA's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 7.3% market share. In second place, with 6.7%, is Envista Credit Union, having originated $57,035,000 in loans. In third place, with 6.5%, is FLAT BRANCH MORTGAGE, INC., having originated $55,615,000 in loans. In fourth place, with 6.4%, is QUICKEN LOANS, LLC, having originated $55,060,000 in loans. In fifth place, with 4.0%, is Capitol Federal Savings Bank, having originated $34,355,000 in loans.
TOPEKA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - TOPEKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $106,200 (-1.2%) | $151,836 (1.5%) | 0.39 | 566 |
| 2018-02-01 | $110,000 (0.1%) | $157,130 (2.1%) | 0.40 | 568 |
| 2018-03-01 | $114,900 (-1.9%) | $159,102 (-2.3%) | 0.40 | 555 |
| 2018-04-01 | $116,450 (-4.9%) | $170,246 (-1.9%) | 0.39 | 546 |
| 2018-05-01 | $119,938 (1.3%) | $176,975 (3.8%) | 0.40 | 565 |
| 2018-06-01 | $125,000 (-2.5%) | $184,672 (7.3%) | 0.42 | 619 |
| 2018-07-01 | $130,500 (8.8%) | $183,644 (9.0%) | 0.44 | 654 |
| 2018-08-01 | $127,450 (8.5%) | $181,595 (9.6%) | 0.43 | 644 |
| 2018-09-01 | $120,000 (9.2%) | $171,694 (7.1%) | 0.40 | 662 |
| 2018-10-01 | $119,999 (4.5%) | $168,513 (4.6%) | 0.41 | 644 |
| 2018-11-01 | $117,500 (9.1%) | $162,557 (4.5%) | 0.40 | 622 |
| 2018-12-01 | $119,900 (11.5%) | $165,190 (7.9%) | 0.41 | 567 |
| 2019-01-01 | $118,450 (11.5%) | $167,198 (10.1%) | 0.41 | 552 |
| 2019-02-01 | $119,720 (8.8%) | $176,298 (12.2%) | 0.40 | 510 |
| 2019-03-01 | $126,209 (9.8%) | $183,340 (15.2%) | 0.41 | 501 |
| 2019-04-01 | $139,200 (19.5%) | $188,926 (11.0%) | 0.44 | 491 |
| 2019-05-01 | $152,450 (27.1%) | $191,640 (8.3%) | 0.48 | 491 |
| 2019-06-01 | $149,000 (19.2%) | $182,288 (-1.3%) | 0.47 | 522 |
| 2019-07-01 | $149,900 (14.9%) | $183,775 (0.1%) | 0.47 | 512 |
| 2019-08-01 | $149,245 (17.1%) | $187,870 (3.5%) | 0.47 | 506 |
| 2019-09-01 | $148,263 (23.6%) | $188,834 (10.0%) | 0.47 | 500 |
| 2019-10-01 | $146,212 (21.8%) | $188,022 (11.6%) | 0.47 | 504 |
| 2019-11-01 | $134,900 (14.8%) | $181,857 (11.9%) | 0.44 | 526 |
| 2019-12-01 | $125,000 (4.3%) | $169,395 (2.6%) | 0.42 | 485 |
| 2020-01-01 | $127,975 (8.0%) | $166,088 (-0.7%) | 0.43 | 418 |
| 2020-02-01 | $137,000 (14.4%) | $174,542 (-1.0%) | 0.45 | 381 |
| 2020-03-01 | $147,800 (17.1%) | $185,416 (1.1%) | 0.46 | 379 |
| 2020-04-01 | $152,475 (9.5%) | $193,064 (2.2%) | 0.48 | 367 |
| 2020-05-01 | $165,000 (8.2%) | $206,687 (7.9%) | 0.50 | 305 |
| 2020-06-01 | $152,450 (2.3%) | $200,250 (9.9%) | 0.45 | 292 |
| 2020-07-01 | $131,975 (-12.0%) | $194,724 (6.0%) | 0.38 | 282 |
| 2020-08-01 | $140,000 (-6.2%) | $198,626 (5.7%) | 0.40 | 273 |
| 2020-09-01 | $138,725 (-6.4%) | $196,702 (4.2%) | 0.40 | 273 |
| 2020-10-01 | $134,950 (-7.7%) | $199,862 (6.3%) | 0.39 | 253 |
| 2020-11-01 | $142,450 (5.6%) | $196,981 (8.3%) | 0.42 | 257 |
| 2020-12-01 | $142,450 (14.0%) | $191,045 (12.8%) | 0.42 | 233 |
| 2021-01-01 | $146,200 (14.2%) | $199,663 (20.2%) | 0.44 | 191 |
| 2021-02-01 | $147,500 (7.7%) | $205,495 (17.7%) | 0.43 | 152 |
| 2021-03-01 | $154,850 (4.8%) | $204,214 (10.1%) | 0.44 | 159 |
| 2021-04-01 | $157,725 (3.4%) | $226,037 (17.1%) | 0.43 | 158 |
| 2021-05-01 | $160,000 (-3.0%) | $224,490 (8.6%) | 0.43 | 177 |
| 2021-06-01 | $152,500 (0.0%) | $219,628 (9.7%) | 0.40 | 216 |
| 2021-07-01 | $172,273 (30.5%) | $231,245 (18.8%) | 0.45 | 255 |
| 2021-08-01 | $164,500 (17.5%) | $221,169 (11.4%) | 0.44 | 247 |
| 2021-09-01 | $171,250 (23.5%) | $227,269 (15.5%) | 0.46 | 253 |
| 2021-10-01 | $168,750 (25.1%) | $215,427 (7.8%) | 0.45 | 253 |
| 2021-11-01 | $165,532 (16.2%) | $206,148 (4.7%) | 0.44 | 226 |
| 2021-12-01 | $160,894 (13.0%) | $218,073 (14.2%) | 0.44 | 185 |
| 2022-01-01 | $154,950 (6.0%) | $230,781 (15.6%) | 0.42 | 124 |
| 2022-02-01 | $179,250 (21.5%) | $249,527 (21.4%) | 0.47 | 117 |
| 2022-03-01 | $179,950 (16.2%) | $251,413 (23.1%) | 0.45 | 128 |
| 2022-04-01 | $182,450 (15.7%) | $255,260 (12.9%) | 0.43 | 151 |
| 2022-05-01 | $213,200 (33.3%) | $273,493 (21.8%) | 0.49 | 174 |
| 2022-06-01 | $219,975 (44.3%) | $273,298 (24.4%) | 0.49 | 202 |
| 2022-07-01 | $210,000 (21.9%) | $268,019 (15.9%) | 0.47 | 220 |
| 2022-08-01 | $229,750 (39.7%) | $341,969 (54.6%) | 0.53 | 210 |
| 2022-09-01 | $229,900 (34.3%) | $317,040 (39.5%) | 0.54 | 225 |
| 2022-10-01 | $229,000 (35.7%) | $306,636 (42.3%) | 0.54 | 273 |
| 2022-11-01 | $232,450 (40.4%) | $369,855 (79.4%) | 0.56 | 326 |
| 2022-12-01 | $227,450 (41.4%) | $382,683 (75.5%) | 0.56 | 283 |
| 2023-01-01 | $241,738 (56.0%) | $404,744 (75.4%) | 0.60 | 232 |
| 2023-02-01 | $244,500 (36.4%) | $373,530 (49.7%) | 0.59 | 215 |
| 2023-03-01 | $249,375 (38.6%) | $372,212 (48.1%) | 0.59 | 182 |
| 2023-04-01 | $238,700 (30.8%) | $347,461 (36.1%) | 0.56 | 202 |
| 2023-05-01 | $267,463 (25.5%) | $359,135 (31.3%) | 0.61 | 204 |
| 2023-06-01 | $292,000 (32.7%) | $369,275 (35.1%) | 0.66 | 225 |
| 2023-07-01 | $279,900 (33.3%) | $363,350 (35.6%) | 0.64 | 258 |
| 2023-08-01 | $268,000 (16.7%) | $334,163 (-2.3%) | 0.62 | 269 |
| 2023-09-01 | $249,950 (8.7%) | $327,696 (3.4%) | 0.58 | 309 |
| 2023-10-01 | $233,075 (1.8%) | $306,185 (-0.2%) | 0.55 | 362 |
| 2023-11-01 | $229,800 (-1.1%) | $290,203 (-21.5%) | 0.55 | 354 |
| 2023-12-01 | $226,950 (-0.2%) | $295,014 (-22.9%) | 0.55 | 304 |
| 2024-01-01 | $234,925 (-2.8%) | $298,522 (-26.2%) | 0.57 | 235 |
| 2024-02-01 | $236,175 (-3.4%) | $298,598 (-20.1%) | 0.57 | 236 |
| 2024-03-01 | $249,900 (0.2%) | $320,183 (-14.0%) | 0.59 | 213 |
| 2024-04-01 | $255,000 (6.8%) | $316,568 (-8.9%) | 0.59 | 242 |
| 2024-05-01 | $267,000 (-0.2%) | $749,948 (108.8%) | 0.61 | 253 |
| 2024-06-01 | $255,500 (-12.5%) | $309,836 (-16.1%) | 0.58 | 274 |
| 2024-07-01 | $249,900 (-10.7%) | $304,563 (-16.2%) | 0.57 | 283 |
| 2024-08-01 | $249,900 (-6.8%) | $307,415 (-8.0%) | 0.58 | 317 |
| 2024-09-01 | $245,550 (-1.8%) | $306,473 (-6.5%) | 0.58 | 319 |
| 2024-10-01 | $249,125 (6.9%) | $292,936 (-4.3%) | 0.59 | 352 |
| 2024-11-01 | $239,000 (4.0%) | $275,803 (-5.0%) | 0.57 | 390 |
| 2024-12-01 | $219,950 (-3.1%) | $263,164 (-10.8%) | 0.55 | 331 |
| 2025-01-01 | $219,900 (-6.4%) | $264,344 (-11.5%) | 0.55 | 284 |
| 2025-02-01 | $230,000 (-2.6%) | $276,774 (-7.3%) | 0.56 | 224 |
| 2025-03-01 | $249,900 (0.0%) | $299,311 (-6.5%) | 0.59 | 254 |
| 2025-04-01 | $262,500 (2.9%) | $311,804 (-1.5%) | 0.61 | 302 |
TOPEKA's median listing price for 2025-04-01 was $262,500, a difference of
$7,500
(2.9%) versus the prior year and
$12,600 versus the prior month.
TOPEKA's median listing price comes in at 61% of the national average.
TOPEKA's average listing price for 2025-04-01 was $311,804, a difference of $-4,764 (-1.5%) versus the prior year and $12,493 versus the prior month.
For the 2025-04-01 period, TOPEKA had 302 MLS listings, a difference of 48 listings (19%) versus the prior month and 60 listings (25%) versus the prior year.
TOPEKA's median listing price comes in at 61% of the national average.
TOPEKA's average listing price for 2025-04-01 was $311,804, a difference of $-4,764 (-1.5%) versus the prior year and $12,493 versus the prior month.
For the 2025-04-01 period, TOPEKA had 302 MLS listings, a difference of 48 listings (19%) versus the prior month and 60 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - TOPEKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 1,589 sqft |
| 2018-02-01 | 58 days | 1,612 sqft |
| 2018-03-01 | 44 days | 1,628 sqft |
| 2018-04-01 | 40 days | 1,667 sqft |
| 2018-05-01 | 37 days | 1,670 sqft |
| 2018-06-01 | 35 days | 1,700 sqft |
| 2018-07-01 | 37 days | 1,734 sqft |
| 2018-08-01 | 42 days | 1,671 sqft |
| 2018-09-01 | 44 days | 1,600 sqft |
| 2018-10-01 | 45 days | 1,600 sqft |
| 2018-11-01 | 55 days | 1,585 sqft |
| 2018-12-01 | 60 days | 1,586 sqft |
| 2019-01-01 | 63 days | 1,587 sqft |
| 2019-02-01 | 62 days | 1,610 sqft |
| 2019-03-01 | 51 days | 1,658 sqft |
| 2019-04-01 | 35 days | 1,701 sqft |
| 2019-05-01 | 37 days | 1,765 sqft |
| 2019-06-01 | 36 days | 1,786 sqft |
| 2019-07-01 | 38 days | 1,772 sqft |
| 2019-08-01 | 42 days | 1,768 sqft |
| 2019-09-01 | 40 days | 1,769 sqft |
| 2019-10-01 | 40 days | 1,755 sqft |
| 2019-11-01 | 45 days | 1,700 sqft |
| 2019-12-01 | 53 days | 1,665 sqft |
| 2020-01-01 | 59 days | 1,643 sqft |
| 2020-02-01 | 52 days | 1,660 sqft |
| 2020-03-01 | 36 days | 1,679 sqft |
| 2020-04-01 | 39 days | 1,788 sqft |
| 2020-05-01 | 32 days | 1,799 sqft |
| 2020-06-01 | 24 days | 1,729 sqft |
| 2020-07-01 | 24 days | 1,627 sqft |
| 2020-08-01 | 29 days | 1,631 sqft |
| 2020-09-01 | 25 days | 1,591 sqft |
| 2020-10-01 | 28 days | 1,637 sqft |
| 2020-11-01 | 28 days | 1,634 sqft |
| 2020-12-01 | 30 days | 1,568 sqft |
| 2021-01-01 | 37 days | 1,620 sqft |
| 2021-02-01 | 29 days | 1,639 sqft |
| 2021-03-01 | 16 days | 1,600 sqft |
| 2021-04-01 | 13 days | 1,560 sqft |
| 2021-05-01 | 12 days | 1,643 sqft |
| 2021-06-01 | 14 days | 1,658 sqft |
| 2021-07-01 | 18 days | 1,719 sqft |
| 2021-08-01 | 22 days | 1,676 sqft |
| 2021-09-01 | 22 days | 1,692 sqft |
| 2021-10-01 | 27 days | 1,681 sqft |
| 2021-11-01 | 32 days | 1,678 sqft |
| 2021-12-01 | 38 days | 1,647 sqft |
| 2022-01-01 | 31 days | 1,634 sqft |
| 2022-02-01 | 22 days | 1,682 sqft |
| 2022-03-01 | 12 days | 1,749 sqft |
| 2022-04-01 | 24 days | 1,716 sqft |
| 2022-05-01 | 26 days | 1,757 sqft |
| 2022-06-01 | 20 days | 1,777 sqft |
| 2022-07-01 | 27 days | 1,768 sqft |
| 2022-08-01 | 31 days | 1,836 sqft |
| 2022-09-01 | 28 days | 1,845 sqft |
| 2022-10-01 | 32 days | 1,820 sqft |
| 2022-11-01 | 36 days | 1,751 sqft |
| 2022-12-01 | 43 days | 1,716 sqft |
| 2023-01-01 | 59 days | 1,729 sqft |
| 2023-02-01 | 61 days | 1,706 sqft |
| 2023-03-01 | 47 days | 1,783 sqft |
| 2023-04-01 | 33 days | 1,697 sqft |
| 2023-05-01 | 29 days | 2,010 sqft |
| 2023-06-01 | 25 days | 2,147 sqft |
| 2023-07-01 | 28 days | 2,107 sqft |
| 2023-08-01 | 31 days | 1,897 sqft |
| 2023-09-01 | 30 days | 1,902 sqft |
| 2023-10-01 | 36 days | 1,779 sqft |
| 2023-11-01 | 39 days | 1,752 sqft |
| 2023-12-01 | 47 days | 1,775 sqft |
| 2024-01-01 | 57 days | 1,782 sqft |
| 2024-02-01 | 50 days | 1,815 sqft |
| 2024-03-01 | 38 days | 1,836 sqft |
| 2024-04-01 | 32 days | 1,828 sqft |
| 2024-05-01 | 34 days | 1,902 sqft |
| 2024-06-01 | 32 days | 1,882 sqft |
| 2024-07-01 | 36 days | 1,822 sqft |
| 2024-08-01 | 37 days | 1,894 sqft |
| 2024-09-01 | 38 days | 1,881 sqft |
| 2024-10-01 | 37 days | 1,841 sqft |
| 2024-11-01 | 40 days | 1,729 sqft |
| 2024-12-01 | 45 days | 1,734 sqft |
| 2025-01-01 | 58 days | 1,676 sqft |
| 2025-02-01 | 61 days | 1,707 sqft |
| 2025-03-01 | 33 days | 1,774 sqft |
| 2025-04-01 | 33 days | 1,796 sqft |
TOPEKA's median listing age (time on market) for 2025-04-01 was 33 days.
This
is 3%
longer
than the same period one year ago.
TOPEKA's median square footage for active listings during the 2025-04-01 period was 1,796 sqft. One year prior, the average listing was 1,828 sqft.
TOPEKA's median square footage for active listings during the 2025-04-01 period was 1,796 sqft. One year prior, the average listing was 1,828 sqft.
TOPEKA, KS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,715 | $550,715,000 | $202,842 |
| Cash Out Refi | 802 | $106,300,000 | $132,544 |
| Refi | 638 | $144,160,000 | $225,956 |
| Home Improvement | 464 | $29,370,000 | $63,297 |
| Other | 404 | $25,770,000 | $63,787 |
Topeka's most frequently cited loan purpose was Home Purchase, with 2,715 originations. The 2nd most popular reason was Cash Out Refi, with 802 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,932 | $386,690,000 | $200,150 |
| 7-8% | 924 | $138,750,000 | $150,162 |
| Over 8% | 844 | $64,630,000 | $76,576 |
| 5-6% | 425 | $116,085,000 | $273,141 |
| 4-5% | 26 | $4,850,000 | $186,538 |
| <2.5% | 14 | $510,000 | $36,429 |
| 2.5-3% | 5 | $795,000 | $159,000 |
| 3-4% | 3 | $325,000 | $108,333 |
During 2024, Topeka's most frequently originated rate bucket was 6-7%, with 1,932 originations.
Loan Sizing (TOPEKA, KS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,933 | $102,155,000 | $52,848 |
| $100k-200k | 1,616 | $237,720,000 | $147,104 |
| $200k-400k | 1,234 | $333,190,000 | $270,008 |
| $400k-600k | 189 | $89,305,000 | $472,513 |
| $600k-1000k | 36 | $26,950,000 | $748,611 |
| $Over $1MM | 15 | $66,995,000 | $4,466,333 |
TOPEKA's loan sizing saw the bucket of loans from $100,000 or less with 1,933 originations, totaling $102,155,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,752 | $380,280,000 | $217,055 |
| 60-80% | 772 | $175,940,000 | $227,902 |
| Under 20% | 589 | $21,045,000 | $35,730 |
| 20-40% | 557 | $41,975,000 | $75,359 |
| 40-60% | 338 | $49,310,000 | $145,888 |
| Over 100% | 60 | $30,470,000 | $507,833 |
TOPEKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,752 originations, totaling $380,280,000 in origination value.